Some banks do offer more than 5 times your salary if you used a credit card, so the bank could derived your income from your credit limit. I'm working for al-rajhi btw, feel free to enquire. Thanks
regards, hafiz Noor
email: hafiz.ampex@gmail.com
mobile: 012-7491579

Thanks for your reply, Its true there's no penalty for early settlement and no notice needed, the legal fees which you mention is actually delivery charges which amounts to RM250 for the trade facility. Because in Islam there is no loan, only financing and in Islam the only way for a person to seek financing is through trading things or buying and selling. So the delievery charges is still the same no matter whats the amount of the financing.And to answer your question for early settlement there's no legal fees required, all fees are deducted from the beginning so during the tenure there won't be any additional charges. Thanks.
Regards, Hafiz Noor

Tak aku station kt selangor PJ, tapi kalau kau kt JB kita boleh deal melalui fax or email, and kalau perlu sign document pun aku boleh poslaju...
regards, hafiz Noor
email: hafiz.ampex@gmail.com
mobile: 012-7491579

Financing untuk 10K selama 3 tahun, bulanan dia RM348.61. kalau early settlement dapat rebate... : )

Gd luck on your battle with the Banks, it never ends... LOL
>House loan
>Car loan
>Study loan
>Credit card

In my opinion, thats one of the cheapest, but you should check bank Islam, they're quite cheap (no pun intended). But these 2 banks deduct from your salary and its a bit troublesome is you're not a govt worker on not on their list of selected companies.
Regards, Hafiz Noor : )
(Al-Rajhi Bank)

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Added on March 17, 2010, 2:17 pmSure, if you're looking for a personal financing. I'm working for a middle east bank and our requirement is minimum basic salary of RM1500 and at least been working for 6 months.
For any enquiries feel free to pm me...
Regards, Hafiz Noor : )

This post has been edited by affable: Mar 17 2010, 02:17 PM

Al-Rajhi then cause we offer 8.5% flat, other banks different rates for different terms. If you wanna know more about Al-Rajhi you can pm me. Thanks
Regards, Hafiz Noor : )

> HSBC 10.5% - 12.5%
>Hong Leong 12%
>Alliance 11.99%
>Standard Chartered 8.5% - 12%

Hi there,
I'm a representative of Al-Rajhi Bank and we don't offer the lowest but we offer 1 of the best rates and privileges when you apply financing with us. Our annual rate is 8.5% flat and here's some of the points for you to consider..
>Rebate for early settlement
> Minimum documentation
> No penalty for late payment
> No interest, so no effect on compounding outstanding balance.
> Minimum documentation
> Can process through credit card without income documentation

Base on your salary the highest you could go is 5 times your salary. Without guarantor or collateral. For more enquiries feel free to pm me.
Regards, Hafiz Noor

Hi there,
I'm not from RHB but I'm a representative from Al-Rajhi Bank. Our approval with the bank is 3 days and disbursement is another 4 days. All process will take within 7 days.
Regards, Hafiz Noor
For any enquiries you can pm me.... : )

Hi zen,
as a banker my advice, its wise if...
> THe settlement does'nt require any notice or 1 month lieu of the instalment
> the settlement does'nt impose any penalty
> the repayment tenure is shorter or the same as the present loan
> Of course if the repayment is lower...
Regards, Hafiz Noor : )

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Added on March 24, 2010, 12:45 pmHi there, while your busy punching numbers on the calculator don't forget to call eon bank up and ask if they need a notice or penalty.. If not go ahead have fun with the calculator...
Regards, Hafiz Noor : )

This post has been edited by affable: Mar 24 2010, 12:45 PM

Hi there Jep,
since your looking for a loan that amount why don't you go to bank rakyat or bank islam cause they're the lowest rate, I'm working for al-rajhi btw and our rates is 5.05% for first 2 years and 6.99% for following years and our payout is 93%

Hi GHoss,
its true, banks will want to look at your credit reference but if there's none, than sorry to say you can't buddy. If you're a degree holder and working in a listed company then Al-Rajhi will consider. If you're really in need of money why don't just apply for a credit card cause since you've tried cimb with a rate of 24% per annum, then credit card won't be any different cause their interest is only 17.5% per annum (quoting the highest). If you wanna Al-Rajhi out feel free to pm me.... THanks.
Regards, Hafiz Noor : )

Bank Rakyat and Bank Islam is aggressive in giving out loan and you can call them up to check whether your company is under their approve list cause a friend of mine working at havi logistic which is a pte ltd company is eligible to do loan with bank rakyat..... : )
If that doesn't work you can pm me and apply for Al-Rajhi LOL : )
Regards, Hafiz Noor : )

Hey Syd G,
you're really meticulous in your calculation, your working for a financial institute or you just love maths??? LOL : )

MBSB is a subsidiary of EPF and they provide loans, personal or house. Their repayment is by salary deduction. Just google on the web MBSB and you can find their website... : )

Hi to all fellow Lowyaters,
I'm a representative for Standard Chartered Bank and we have to types of personal financing to meet your needs, Quick Cash Edge (Conventional) and Personal Financing-i (Islamic). Both are open to all, and these are some of the factors regarding our personal financing for your reference..
> Minimum Documentation
> No penalty for early settlement
> Financing tenure of 1 - 5 years
> Minimum gross salary 18K per annum
> No processing fee, 100% disbursement
> Free P.A. insurance coverage + 36 critical illness
> No income documents required if you have any existing loan or credit card for more than 1 year
> No collateral or guarantor

For further inquiries feel free to pm me. Thanks : )
Regards, Hafiz Noor : )

Bank Islam min salary is 1.2K, try asking whether your brother company is under their approve list...: )

Hi guys,

I've just started with Alliance bank in JB as a personal financial consultant. We provide services such as personal financing and these are some of the points for you to consider.

> Financing tenure of 1- 5 years
> financing amount of 5K - 150K
> No guarantor or collateral required
> No processing fee
> Flat rate of 11.99% p.a.

Other services provided;
Housing loan: refinance/ sub-sale/ new-purchase
credit card: balance transfer
bancassurance

If you guys got any enquiries, pls do not hesitate to pm me... thanks.